It's the second. Knit to end (or whatever pattern to the end of the row or round) is one row. When you turn, or pass the marker if you're working in the round, you're working another row/round.

It isn't a silly question if you don't know. I don't know anybody who was born knowing all about knitting

I absolutely agree. In fact, I think it's a good question to ask. Because of the book I learned from, I knew what a row was but when you're looking at garter stitch it can look like it takes two rows to make one. Each art or craft has its own idiosyncrasies and for all you knew that could have been one in knitting.

PS: I think I was born knowing all about knitting but by the time I got interested had forgotten everything. Yeah, right. I just didn't know anything just the same as every other newby.

__________________~ GG

Cheating is an option. . . . Cheaters never win and winners never cheat, but smart knitters who want to retain an iota of sanity do, cheerfully. ~~Kory Stamper